Ridges on fingernails are usually just dehydration - a good hand moisturiser will help this, plus if you want to paint your nails you can get "ridge filler" polishes that make it look like you have a smooth nail bed.

The freckle on the other hand, may need checking out. Is it underneath the nail, in the nail bed? It is unlikely, but there is a rarer form of cancer that appears like this, a type of skin cancer, and I believe it is more common in black or asian people. It may well just be a mark in the nail plate or a bruise though.